Investment Management

Our model of investing is based not on speculation but on the science of capital markets. Our portfolios are not available through ordinary brokerage firms or financial planners, financial advisors, or investment advisors. These portfolios are used by some of the nation’s largest institutional investors, putting you alongside many of the nation’s biggest and best-run organizations. Institutional investing typically requires huge amounts of money – typically $20 million or more. That’s why ordinary consumers can’t buy the outstanding investments that institutions use. You can’t even get them from the big brokerage firms.

Now, these institutional portfolios are available to you through our network, without you having to invest millions. We give you access to the same institutional shares used by many of the nation’s biggest pension funds, endowments and institutional investors.

RebalancingEven the best designed portfolio needs attention. Otherwise a carefully allocated portfolio will drift due to varying performances of the portfolio’s underlying investments. That’s why every portfolio is examined on a daily basis: to identify opportunities for rebalancing. Once the need is identified, our portfolios will be rebalanced automatically. This helps manage your risks and your performance. There is no additional fee for this services – it’s all part of your experience; no additional fee and never any commissions.

Income & Growth PortfolioThis objective is to minimize capital fluctuations while attempting to deliver a rate of return in excess of inflation as measured by the consumer price index (C.P.I.). The choice of this objective indicates a realization that the clients’ portfolio must stay ahead of inflation to make any real gains. While this approach will provide the least amount of capital fluctuation, the possibility of negative returns is reduced. This approach does imply a substantial reduction of capital growth when compared to the stock market. This objective fits with a time horizon of less than three years.

Balanced Growth PortfolioThis objective has two purposes: to preserve capital and to obtain capital growth. Choosing this objective for your investments indicates a need for balance between capital preservation and long term growth. This objective will result in choosing more stable and less volatile investment strategies than with the choice of a long term growth investment objective. Inherent in this position is that the earning potential of your investment will be less than growth or aggressive, but this objective should also be less volatile over time while earning a premium above short-term rates. To achieve these returns, no less than a full market cycle of three to five years is required.

Long-Term Growth PortfolioThis objective provides a reasonable high rate of growth without the full degree of risk usually found in the stock market. The primary goal is long-term capital growth while the secondary goal is preservation of capital. In order to achieve long-term capital growth, greater volatility, including the risk of negative returns, will be encountered than with the choice of a conservative or moderate objective. This objective does not, however expose investors to the full capital risk of the stock market. Returns will not compare with the stock market on year to year basis but should be less volatile than stock market returns. Six to nine years may be required to achieve this objective.

Aggressive Growth PortfolioSince capital growth is the only goal in this objective, the investor must also accept the high degree of risk inherent in the stock market. This objective provides the greatest growth potential of the four and exposes the client to the greatest degree of volatility. Management will focus the investment in equity funds to help produce better long-term returns. This is a long-term investment strategy of at least ten years.

A financial checklist for the most difficult of times. The passing of a loved one irrevocably alters family life. After a death, there is so much to attend to; it is better to do it sooner rather than later. Here, then, is a list of what commonly needs to be looked after. Request copies of…

The steps you may need to take to fulfill a major responsibility. If you are an executor to an estate, you must carry out your duties responsibly. Fulfilling these duties is not only a measure of your ability, but a measure of your character. You can approach these tasks methodically. In fact, it is probably…

It may not sound enticing, but creating a will puts power in your hands. According to the global analytics firm Gallup, only about 44% of Americans have created a will. This finding may not surprise you. After all, no one wants to be reminded of their mortality or dwell on what might happen upon their…

CONSUMER SENTIMENT HITS A 2-YEAR LOW Analysts surveyed by MarketWatch thought the University of Michigan’s preliminary January consumer sentiment index would display a reading of 97.5. Instead, it came in at just 90.7, dropping 7.6 points from its final December mark to its lowest level since October 2016. Richard Curtin, the economist who has long…

FOR THE FIRST TIME SINCE MARCH, INFLATION RETREATS December brought a 0.1% decline in the Consumer Price Index, the first in nine months. As in November, cheaper gasoline was a factor: gas prices took a 7.5% monthly fall. The CPI advanced 1.9% across 2018. The core CPI, which excludes food and energy costs, rose 0.2%…

2018 Ended with a hiring surge The latest Department of Labor jobs report suggests an economy with plenty of forward momentum. Employers added 312,000 net new jobs in December, the most in ten months. The main jobless rate rose 0.2% to 3.9% as more Americans entered the labor force; the U-6 rate, measuring underemployment, held…